Terms ofService

These Terms of Service ("Terms") are a binding agreement between you and KwikBuck for use of kwikbuck.com, the web app and the iOS and Android apps (the "Services"). By creating an account or using the Services you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Services.

Please read Section 15 carefully. It requires most disputes to be resolved by individual arbitration and waives class actions and jury trials.

KwikBuck is a technology platform that connects people to buy, sell, rent, deliver, ride, plan travel, book experts and stay safe. KwikBuck is not a seller, carrier, transportation company, employer, landlord, bank, money transmitter or emergency service. Goods, rides, deliveries, rentals and services are provided by independent members, who are solely responsible for them.

Drivers, couriers, hosts, sellers and experts are independent contractors or independent businesses, not employees, partners or agents of KwikBuck. They decide whether, when and where to work, and which requests to accept.

• You must be at least 18 and able to form a binding contract.
• One account per person. Provide accurate information and keep it current.
• You are responsible for activity on your account. Keep your password and device secure; KwikBuck staff will never ask for your password.
• We may suspend or close accounts that break these Terms, risk harm, or where required by law.

Some features require verification in this order: email, mobile number, government photo ID, and — for driving — a valid driver's license, plus any background, insurance or vehicle checks required by your state or city. Verification reduces risk but does not guarantee the identity, conduct or quality of any member. Always use your own judgment.

Creating an account is free. Transactions and some features are paid. Platform fees, card surcharges, withdrawal fees, subscriptions and paid in-app features (for example travel planning, Safety Mode, SOS and expert sessions) are shown to you before you confirm. By confirming you authorize those charges.

In-app purchases made through Apple or Google are billed by them under their terms. Subscriptions renew automatically until cancelled in your device's subscription settings; cancellation stops future renewals. Taxes are added where required.

• Payments are processed by our licensed payment partner. Card details are entered with them and never stored by KwikBuck.
• kwikPay protection: for protected orders, the seller is paid only after you confirm, or 48 hours after completion if no dispute is raised. This is a platform payment feature, not a bank account, deposit or insurance.
• Your KwikBuck balance holds money you earned or were refunded. Refunds are returned to your balance. Withdrawals are made only when you request them, to your connected payout account, on the scheduled payout date, less the withdrawal fee shown.
• Promotional credits (for example KwikPick rewards) can be used as stated but cannot be withdrawn, and expire as shown.
• We may hold, reverse or refuse transactions to prevent fraud, comply with law or resolve disputes.

• Sellers must own or have the right to sell what they list, describe it accurately, set honest prices and comply with all laws, including state consumer-protection, sales-tax and product-safety laws.
• Buyers should inspect items and review listings before paying.
• Listings may be reviewed, paused or removed if they appear unsafe, illegal or misleading.
• KwikBuck may act as a marketplace facilitator and collect and remit sales tax where state law requires.

You may not use KwikBuck to offer, buy or arrange:

• Firearms, ammunition, explosives or weapon parts; illegal drugs or paraphernalia; cannabis or hemp-derived THC (even where legal in your state); prescription medicines; alcohol or tobacco/vape products.
• Stolen, counterfeit or recalled goods; live animals; human remains; hazardous materials.
• Adult services, gambling, weapons training, money transfers for others, or anything illegal in your state or the buyer's state.

You may not harass, discriminate (including on any basis protected by federal or state law), threaten, impersonate, scrape, hack, evade fees by taking payment off-platform, file false reports or misuse safety features.

• Drivers and couriers must hold a valid license, registration and insurance meeting their state's minimums, and obey all traffic laws. Never use the app in a way that distracts from safe driving.
• Where a state or city regulates rideshare/transportation network services, drivers must meet those rules before offering rides; KwikBuck may limit ride features in places where they are not permitted.
• Riders must wear seatbelts, follow lawful driver instructions and must not bring prohibited items.
• Cancellation fees and pricing are shown before you book.
• Damage, loss or injury claims between members should first be reported in the app; insurance responsibility rests with the members and their insurers unless KwikBuck states otherwise in writing.

KwikSafe, Safety Mode, SOS, Trusted Circle and KwikHelp do not replace 911. In an emergency, call 911 first. Alerts depend on your phone, location permissions, battery, network and your contacts' devices, and may be delayed or fail. KwikBuck does not monitor sessions in real time and does not dispatch police, fire or medical services. Only add contacts who have agreed to receive your alerts.

• Hosts are responsible for local short-term-rental, landlord-tenant, licensing, safety and tax rules in their city and state.
• Travel plans and tracking help you organize a journey. Flight, rental and hotel bookings are with those providers, and their times may change. KwikBuck is not responsible for third-party delays or cancellations.
• Expert (Kwikee) sessions give general information, not professional legal, medical, financial or tax advice unless the expert is licensed and says so.

You keep ownership of content you post. You give KwikBuck a worldwide, non-exclusive, royalty-free license to host, display and adapt it to operate and promote the Services. You confirm you have the rights to it. To report copyright infringement, send a DMCA notice to info@kwikbuck.com.

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE". TO THE FULLEST EXTENT PERMITTED BY LAW, KWIKBUCK DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, AND DOES NOT WARRANT THE CONDUCT OF MEMBERS OR THE QUALITY, SAFETY OR LEGALITY OF ANY ITEM OR SERVICE. SOME STATES DO NOT ALLOW THESE EXCLUSIONS, SO SOME MAY NOT APPLY TO YOU.

TO THE FULLEST EXTENT PERMITTED BY LAW, KWIKBUCK IS NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOSSES CAUSED BY OTHER MEMBERS. OUR TOTAL LIABILITY IS LIMITED TO THE GREATER OF THE FEES YOU PAID KWIKBUCK IN THE 12 MONTHS BEFORE THE CLAIM OR US$100. Nothing limits liability that cannot be limited by law, such as for gross negligence, willful misconduct, or death or personal injury where state law forbids it (for example under New Jersey's Truth-in-Consumer Contract, Warranty and Notice Act).

You agree to indemnify KwikBuck against claims arising from your listings, services, conduct or violation of these Terms or law.

Talk to us first. Email info@kwikbuck.com with "Dispute" in the subject; we will try to resolve it within 60 days.

Arbitration. If not resolved, you and KwikBuck agree that disputes will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, under the Federal Arbitration Act. Arbitration may be held by video or in the county where you live. We pay filing fees above the amount you would pay to file in court. Either party may instead bring an individual claim in small-claims court.

Class-action and jury waiver. Claims may be brought only individually, not as a plaintiff or class member in any class, collective or representative action, and both parties waive a jury trial.

Opt out. You may opt out of arbitration within 30 days of first accepting these Terms by emailing info@kwikbuck.com with "Arbitration opt-out", your name and account email.

Claims under the Ending Forced Arbitration of Sexual Assault and Sexual Harassment Act may be brought in court at your election.

These Terms are governed by the Federal Arbitration Act and the laws of the State of Delaware, without regard to conflict-of-law rules, except that you keep any non-waivable protections of the consumer laws of the state where you live.

California residents: under Civil Code § 1789.3 you may contact the Complaint Assistance Unit of the Division of Consumer Services, California Department of Consumer Affairs, 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, (800) 952-5210.

New Jersey residents: any provision limiting liability or remedies applies only to the extent permitted by New Jersey law.

If you use our iOS app, Apple is not a party to these Terms, is not responsible for the app or its support, and is a third-party beneficiary entitled to enforce these Terms against you. Your use must also comply with the Apple Media Services Terms or Google Play Terms of Service, as applicable.

We may update these Terms and will give notice of material changes before they take effect. You may close your account at any time; sections that by nature should survive (payments owed, disclaimers, liability, disputes) survive termination. These Terms are an agreement between you and Kwikbuck Inc., a Delaware corporation, 19C Trolley Square, Wilmington, DE 19806, United States. Email: info@kwikbuck.com.